GM National Ins Co
Major Rating Factors:
Fair reserve development (4.1 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (3.2) including weak results on operational trends, negative cash flow from operations for 2024 and excessive premium growth. Weak profitability index (2.4) with operating losses during 2021, 2022, 2023, 2024 and the first six months of 2025.
Other Rating Factors:
Good liquidity (5.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (9.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
G - Fast asset or premium growth.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
All states except CA, CT, ME, OR, RI, VT, WI
Principal Investments:
Investment grade bonds (3.1%), cash (2.8%), other (94.0%)
Corporate Info
Group Affiliation
General Motors Co
Investment Rating
Company Address
801 Cherry Street
Fort Worth, TX 76102
Fort Worth, TX 76102
Phone Number
(888) 495-4674
NAIC Number
42897
Website
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